Home & Mobile Home Insurance

Whether you need home or mobile home insurance, our Rockingham Home Insurance policies give you protection against loss to your home, related buildings and personal belongings. It also provides additional living expenses for a period of time if your home becomes uninhabitable due to a fire or other covered loss.

Common events covered in your home insurance policy include Fire or Lightning, Windstorm or Hail, and Freezing of Plumbing Systems.

Your home insurance policy also provides:

Additional Living Costs - Coverage for additional living expenses for a period of time should your home become uninhabitable due to a fire or other covered loss.

You can personalize your home insurance policy by adding:

Equipment Breakdown Coverage includes items related to home security systems, appliances, computers and electronics, swimming pools, furnaces, water heaters, and air conditioning systems.

Green Equipment Breakdown Coverage option covers replacement of damaged equipment with equipment that's safer, more efficient and better for the environment. We even cover the cost to hire an accredited green consultant to assist in the design and reconstruction.

Additional Theft Coverage for items that have specific limits under the policy

Scheduled All-Risk Coverage for jewelry, collectibles, cameras, etc.

Water and Sewer Back-up Coverage

Contact us to get pricing on a Rockingham Home Insurance policy that gives you the coverage you need.

Did you know?

1.There are different types of homeowners policies? Home insurance is pretty standard across the U.S. However, some states or insurers may offer policies that are slightly different. The most popular homeowners' policy is called HO-3 and it gives you open perils coverage. It protects you against all disasters, except any that are specifically excluded in the policy. Theft, fire, and tornadoes are examples of perils. An HO-3 policy also insures your personal belongings, but it only gives you named perils coverage for them. That means you’re only covered for disasters listed or specifically named in the policy. Learn more about the different homeowners insurance coverage types.

2.Not every type of damage is actually covered?While a standard homeowners insurance policy gives you many protections, such as coverage for the structure of your home, your personal belongings, loss of use, and liability, it doesn’t cover everything. Policies often state that for something to be covered, it must be “sudden and accidental.” That means if you’ve had a leaky faucet that caused damage over many months, it probably won’t be covered because you neglected proper maintenance.

3.Some belongings may not be fully covered?It's good to know your valuable personal possessions are insured against disasters and theft under a homeowners policy. But what many people don’t realize is that certain types of items come with coverage limits or caps. For instance, jewelry, watches, furs, silverware, electronics, and firearms are typically limited to one or two thousand dollars of coverage. If you have jewelry worth $10,000 that’s lost or stolen, you’ll come up very short. Another protection you get with home insurance is that your belongings are covered outside of your home. If your laptop is stolen from your car, auto insurance won’t cover it—but your homeowners or renters policy will.

If you're unsure what's covered under your current home insurance policy, contact us and we'll be happy to go over your policy with you.

Bruce Gardner

Owner/ Agent

Meet Bruce

For over 25 years, Bruce has been in the business of assisting and explaining insurance coverage. He has stayed in the industry so long because he enjoys what he does and his knowledge and experience makes it easy for him to talk about insurance. He prides his business on providing people with the correct coverage and helping them understand what they have.

“I hope people understand we want to do a good job for them. We put the client first, and we work to make sure you are correctly covered.”

Besides the insurance business, Bruce also enjoys family time, like playing soccer with his son, William. His wife works at W&L in the Athletic Department as the men’s and women’s swimming coach. She teaches swimming and Red Cross lifeguard training too.

“We enjoy playing golf, kickball, and basketball, our two dogs, Daisy and Duke, and our latest project of building a tree house this summer.”

Bruce and his family also enjoy Disney World and welcome questions from anyone about planning a Disney vacation.

Candy Camden

Meet Candy

Candy was born and raised right here in Rockbridge County, Virginia. She values sharing her insurance knowledge with her clients so they understand what their policy really means.

“I love to work with my clients to make sure they have proper insurance coverage and to save them money.”

In her time outside the office, Candy coaches volleyball at Maury River Middle School and Rockbridge Junior Olympics. She believes in giving back to the community and teaching children to work for what they get. So through her work with volleyball, she has been involved in several fundraising events to benefit local people in need.

Stephanie Petty

Insurance Agent

Meet Stephanie

Becoming an insurance agent was a natural progression for her from working as a receptionist in an insurance agency to getting her license, being promoted to sales and service, and finally starting her own book of business. With over 20 years of experience, her clients trust her and know she always has their best interests in mind.

“I provide my clients with information and guidance that will benefit them for life, not just right now.”

Although she is thankful for the stability and longevity of her career, Stephanie’s family is most important in her life. Camping with her husband is a regular and cherished activity, and her three children are homeschooled. She is guided by faith and love to discuss theology and enjoys the subjects of science, history, law, and politics.

Stephanie is also an avid gardener and find working in my vegetable and flower gardens to be very relaxing and rewarding. Her family loves animals and has four cats, two dogs, and around 40 chickens.

Robin Heizer-Farris

Insurance Agent

Meet Robin

Robin is a Rockbridge County native, born and raised. She really knows the area, the people, and the lifestyle, plus she has backgrounds in real estate, finance, insurance and building (her father was a developer and her husband is a contractor).

“I think I can bring a lot to the table with my professional experience and back it up with a knowledgeable staff and great, long-trusted company.”

Outside of insurance and her Blue Ridge Properties Real Estate Magazine, Robin and her husband, who is also a local well-respected painting contractor and great deer hunter, attend and watch a lot of football games. Their youngest son played football at Virginia Tech and is trying to go pro, so they’re very involved in that process. She also works out regularly and is a member of the YMCA.